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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 4.71
FBIZ's Cash to Debt is ranked higher than
84% of the 1365 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.30 vs. FBIZ: 4.71 )
FBIZ' s 10-Year Cash to Debt Range
Min: 0.12   Max: No Debt
Current: 4.71

Equity to Asset 0.09
FBIZ's Equity to Asset is ranked higher than
67% of the 1753 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.09 vs. FBIZ: 0.09 )
FBIZ' s 10-Year Equity to Asset Range
Min: 0.05   Max: 0.09
Current: 0.09

0.05
0.09
Interest Coverage 1.81
FBIZ's Interest Coverage is ranked higher than
74% of the 1622 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.27 vs. FBIZ: 1.81 )
FBIZ' s 10-Year Interest Coverage Range
Min: 0.06   Max: 1.81
Current: 1.81

0.06
1.81
F-Score: 6
Z-Score: 0.28
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 7/10

vs
industry
vs
history
Operating margin (%) 42.04
FBIZ's Operating margin (%) is ranked higher than
88% of the 1776 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 28.81 vs. FBIZ: 42.04 )
FBIZ' s 10-Year Operating margin (%) Range
Min: -383.66   Max: 41.81
Current: 42.04

-383.66
41.81
Net-margin (%) 27.18
FBIZ's Net-margin (%) is ranked higher than
84% of the 1783 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 21.59 vs. FBIZ: 27.18 )
FBIZ' s 10-Year Net-margin (%) Range
Min: -5.18   Max: 234.84
Current: 27.18

-5.18
234.84
ROE (%) 13.00
FBIZ's ROE (%) is ranked higher than
90% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. FBIZ: 13.00 )
FBIZ' s 10-Year ROE (%) Range
Min: -0.89   Max: 24.13
Current: 13

-0.89
24.13
ROA (%) 1.11
FBIZ's ROA (%) is ranked higher than
86% of the 1790 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. FBIZ: 1.11 )
FBIZ' s 10-Year ROA (%) Range
Min: -0.04   Max: 1.13
Current: 1.11

-0.04
1.13
ROC (Joel Greenblatt) (%) 1864.67
FBIZ's ROC (Joel Greenblatt) (%) is ranked higher than
99% of the 1757 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 72.81 vs. FBIZ: 1864.67 )
FBIZ' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 129.36   Max: 1991.05
Current: 1864.67

129.36
1991.05
Revenue Growth (%) -5.50
FBIZ's Revenue Growth (%) is ranked higher than
61% of the 1555 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. FBIZ: -5.50 )
FBIZ' s 10-Year Revenue Growth (%) Range
Min: -5.5   Max: 119.3
Current: -5.5

-5.5
119.3
EBITDA Growth (%) 45.80
FBIZ's EBITDA Growth (%) is ranked higher than
96% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. FBIZ: 45.80 )
FBIZ' s 10-Year EBITDA Growth (%) Range
Min: 0   Max: 82.2
Current: 45.8

0
82.2
EPS Growth (%) 111.00
FBIZ's EPS Growth (%) is ranked higher than
99% of the 1407 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.90 vs. FBIZ: 111.00 )
FBIZ' s 10-Year EPS Growth (%) Range
Min: -34.6   Max: 111
Current: 111

-34.6
111
» FBIZ's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

FBIZ Guru Trades in

Q4 2013

FBIZ Guru Trades in Q4 2013

Scott Black 5,000 sh (New)
» More
Q1 2014

FBIZ Guru Trades in Q1 2014

Jim Simons 13,600 sh (New)
Scott Black 4,395 sh (-12.1%)
» More
Q2 2014

FBIZ Guru Trades in Q2 2014

Jim Simons 28,700 sh (+111.03%)
Scott Black 4,395 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with FBIZ

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Scott Black 2013-12-31 New Buy0.02%$31.78 - $38.41 $ 45.9429%5000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Ratios

vs
industry
vs
history
P/E(ttm) 12.80
FBIZ's P/E(ttm) is ranked higher than
80% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.50 vs. FBIZ: 12.80 )
FBIZ' s 10-Year P/E(ttm) Range
Min: 4.86   Max: 79.53
Current: 12.8

4.86
79.53
P/B 1.57
FBIZ's P/B is ranked higher than
61% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. FBIZ: 1.57 )
FBIZ' s 10-Year P/B Range
Min: 0.4   Max: 1.69
Current: 1.57

0.4
1.69
P/S 3.40
FBIZ's P/S is ranked higher than
68% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.97 vs. FBIZ: 3.40 )
FBIZ' s 10-Year P/S Range
Min: 0.59   Max: 3.69
Current: 3.4

0.59
3.69
PFCF 10.81
FBIZ's PFCF is ranked higher than
81% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 98.89 vs. FBIZ: 10.81 )
FBIZ' s 10-Year PFCF Range
Min: 2.33   Max: 290.63
Current: 10.81

2.33
290.63
EV-to-EBIT 5.15
FBIZ's EV-to-EBIT is ranked higher than
95% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 17.23 vs. FBIZ: 5.15 )
FBIZ' s 10-Year EV-to-EBIT Range
Min: 0.1   Max: 24.3
Current: 5.15

0.1
24.3
PEG 0.21
FBIZ's PEG is ranked higher than
98% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FBIZ: 0.21 )
FBIZ' s 10-Year PEG Range
Min: 0.18   Max: 0.81
Current: 0.21

0.18
0.81
Shiller P/E 20.17
FBIZ's Shiller P/E is ranked higher than
80% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 27.04 vs. FBIZ: 20.17 )
FBIZ' s 10-Year Shiller P/E Range
Min: 7.03   Max: 22.03
Current: 20.17

7.03
22.03

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.70
FBIZ's Dividend Yield is ranked lower than
68% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.44 vs. FBIZ: 1.70 )
FBIZ' s 10-Year Dividend Yield Range
Min: 0.25   Max: 3.29
Current: 1.7

0.25
3.29
Dividend Payout 0.19
FBIZ's Dividend Payout is ranked higher than
86% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.47 vs. FBIZ: 0.19 )
FBIZ' s 10-Year Dividend Payout Range
Min: 0.07   Max: 1.49
Current: 0.19

0.07
1.49
Dividend growth (3y) 26.00
FBIZ's Dividend growth (3y) is ranked higher than
92% of the 1053 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.60 vs. FBIZ: 26.00 )
FBIZ' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 67.1
Current: 26

0
67.1
Yield on cost (5-Year) 3.40
FBIZ's Yield on cost (5-Year) is ranked higher than
60% of the 1518 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.80 vs. FBIZ: 3.40 )
FBIZ' s 10-Year Yield on cost (5-Year) Range
Min: 0.5   Max: 6.59
Current: 3.4

0.5
6.59
Share Buyback Rate -15.70
FBIZ's Share Buyback Rate is ranked higher than
56% of the 1327 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. FBIZ: -15.70 )
FBIZ' s 10-Year Share Buyback Rate Range
Min: 3.7   Max: -15.7
Current: -15.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.57
FBIZ's Price/Tangible Book is ranked higher than
65% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.32 vs. FBIZ: 1.57 )
FBIZ' s 10-Year Price/Tangible Book Range
Min: 0.42   Max: 1.66
Current: 1.57

0.42
1.66
Price/DCF (Projected) 0.86
FBIZ's Price/DCF (Projected) is ranked higher than
74% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.03 vs. FBIZ: 0.86 )
FBIZ' s 10-Year Price/DCF (Projected) Range
Min: 0.19   Max: 0.92
Current: 0.86

0.19
0.92
Price/Median PS Value 2.49
FBIZ's Price/Median PS Value is ranked higher than
56% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.08 vs. FBIZ: 2.49 )
FBIZ' s 10-Year Price/Median PS Value Range
Min: 0.45   Max: 2.67
Current: 2.49

0.45
2.67
Price/Peter Lynch Fair Value 0.50
FBIZ's Price/Peter Lynch Fair Value is ranked higher than
96% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FBIZ: 0.50 )
FBIZ' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.27   Max: 6.83
Current: 0.5

0.27
6.83
Price/Graham Number 0.94
FBIZ's Price/Graham Number is ranked higher than
76% of the 1927 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. FBIZ: 0.94 )
FBIZ' s 10-Year Price/Graham Number Range
Min: 0.39   Max: 1.19
Current: 0.94

0.39
1.19
Earnings Yield (Greenblatt) 19.40
FBIZ's Earnings Yield (Greenblatt) is ranked higher than
94% of the 1692 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.00 vs. FBIZ: 19.40 )
FBIZ' s 10-Year Earnings Yield (Greenblatt) Range
Min: 4.1   Max: 700.9
Current: 19.4

4.1
700.9
Forward Rate of Return (Yacktman) 57.97
FBIZ's Forward Rate of Return (Yacktman) is ranked higher than
93% of the 1423 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. FBIZ: 57.97 )
FBIZ' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -2.5   Max: 66.1
Current: 57.97

-2.5
66.1

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
First Business Financial Services, Inc., is a registered bank holding company incorporated under the laws of the State of Wisconsin and is engaged in the commercial banking business through its wholly-owned banking subsidiaries, First Business Bank and First Business Bank - Milwaukee. The Company's operations are conducted through the banks and certain subsidiaries of First Business Bank. The Banks operate as business banks focusing on delivering a full line of commercial banking products and services tailored to meet the specific needs of small and medium-sized businesses, business owners, executives, professionals and high net worth individuals. First Business Bank (FBB) is a state bank that focuses on providing high-quality banking services to small and medium-sized businesses located in Madison, Wisconsin and the surrounding area. FBB's product lines include commercial and consumer treasury management services, commercial lending, commercial real estate lending, equipment financing and a variety of deposit accounts and personal loans to business owners, executives and high net worth individuals. FBB's product lines include commercial and consumer treasury management services, commercial lending, commercial real estate lending, equipment financing and a variety of deposit accounts and personal loans to business owners, executives and high net worth individuals. FBB also offers trust and investment services through First Business Trust & Investments (FBTI), a division of FBB. FBB has four wholly-owned subsidiaries. First Business Capital Corp. (FBCC) operates as an asset-based commercial lending company specializing in providing secured lines of credit as well as term loans on equipment and real estate assets mainly to manufacturers and wholesale distribution companies located throughout the United States. First Business Equipment Finance, LLC (FBEF) operates as a commercial equipment finance company specializing in financing of general equipment to small and middle market companies. First Business Real Estate LLC (FBBRE) is a limited liability company established for the purpose of holding and liquidating real estate and other assets acquired through foreclosure or other legal proceedings. First Madison Investment Corp. (FMIC) is located in and formed under the laws of the state of Nevada. FMIC was organized for the purpose of managing a portion of the Bank's investment portfolio. The Banks are chartered in the State of Wisconsin and are subject to regulation and supervision by the Division of Banking of the Wisconsin Department of Financial Institutions (WDFI), and are subject to periodic examinations.
» More Articles for FBIZ

Headlines

Articles On GuruFocus.com
comment on FBIZ Apr 03 2012 
First Business Financial Services Inc. (FBIZ) CEO David J Vetta buys 1,000 Shares Mar 18 2011 
First Business Financial Services Inc. Reports Operating Results (10-Q) Nov 02 2009 
First Business Financial Services Inc. Reports Operating Results (10-Q) Jul 30 2009 
First Business Financial Services Inc. Reports Operating Results (10-Q) May 01 2009 

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